New Rx for Long-Term Care

Insurers and the government are cranking up their efforts to get people to buy "long-term care" insurance -- designed to protect against bank-busting bills in old age.

It's been a tough sell. Not only are these policies -- covering such needs as nursing-home care or health-care aides -- complex and pricey, they can still leave you exposed to big costs. Another problem: Many people assume Medicare and Medicaid already cover...